OHIO HERO'S & OTHER SPECIAL MORTGAGE PROGRAMS

Homeownership programs
Ready to open the door to a home of your own? The Ohio Housing Finance Agency’s (OHFA) homeownership loan programs can help. Whether you are a first-time buyer or a buyer in a target area, OHFA and our lending partners have a program that’s right for you.

Ohio Heroes Program
Ohioans working in critical professions can take advantage of a special first-time homebuyer program with a lower interest rate. Learn more about the Ohio Heroes Program.

First-Time Homebuyer Program
Qualifying first-time homebuyers can choose from our competitive conventional and government-insured loans, all with 30-year, fixed-rate mortgages. Learn more about the First-Time Homebuyer Program.

Target Area Loan Program
Any qualified buyer purchasing a home in a federally-designated target area can benefit from this competitive loan program. Learn more about the Target Area Loan Program.

Down Payment Assistance Grant
Eligible buyers can combine OHFA's Down Payment Assistance Grant with our homeownership loan programs to help pay for down payments, closing costs, and other out-of-pocket expenses associated with buying a home. Learn more about the Down Payment Assistance Grant.

Grants for Grads Program
Recent college graduates, including those earning a postgraduate degree, may be eligible to receive 2.5% of their home's purchase price to help pay for down payment and closing costs when you apply within 18 months of earning your degree. Learn more about the Grants for Grads Program.

Homebuyer Advantage Program
Get a loan of up to 3% of your home purchase price to help with down payment and closing costs when you use our homeownership programs. Learn more about the Homebuyer Advantage Program.